Compass Bank

I checked my account online on a Friday morning and noticed that I had a -.01 balance available, but a $236.00 posted balance. I went and deposited $40.00 cash in the ATM at 4 pm to make sure everything would be okay after my deposit. I was expecting my balance to be $39.99 in the positive. To my surprise, my balance was only $1.99 in the positive. I checked balance once again online and there showed to be a $38.00 NSF fee on my account.

I asked the man who answered the phone at the branch that I show a $1.99 available balance and had not used my card at all that day. I wanted to be sure I would accrue no more charges, his reply was that I should be fine and to call back the next day. I called back the next day and was told no one was at the branch that could help me. Monday morning, 3 more $38.00 charges, Tuesday morning 5 more NSF charges, I now have no more transactions pending and everything is paid, current balance -307.00 of which $304 are all NSF fees.

I called customer service and asked them how it was possible I could accrue 8 NSF fees of $304 dollars and only be $3.00 short. No real answer, just that a manager would call me back. I received a call from a manager today and she left me a voice mail stating they would take off 3 of the NSF fees but that was all she could do since it was not a bank error. Not a bank error? I have called back and left her a message that I am expecting 3 more of the fees to be refunded.

I had the 3 charges not been charged to my account Monday, I would have only been $3.00 short on Tuesday. I had 5 transactions that were pending post to my account on Tuesday which they charged me 5 NSF fees. I was actually short $3.00 and due to their policy of paying the biggest debits first. I should have been short on the last 2 debits (which is altogether another complaint) of $8.64 and $1.64, which would result in 2 NSF fees not 5. Although after spending countless time on the phone with them for the last week, I feel I should be reimbursed for my time and aggravation.

In September 2010, I attempted to close my accounts at Compass Bank. On Sept. 7, I withdrew via bank check at the bank, all but $200.00 from my checking account. I left $200.00 in the account, to cover any outstanding charges, that had not yet hit my account. On September 13, I attempted to transfer the $200.00 remaining in my checking account, plus $352.94 that was in my savings account.

At this point I thought that I was done with Compass Bank. In June 2011, I received a call from Compass Bank's Overdraft Protection/Line of Credit department, saying that I had a balance due of $352.94 on that loan. I advised the collector, that amount was in my savings account, and to please take it from there to pay the overdraft account. Approximately a week later, I received another call, and had the same conversation. A week later, it's the same. This time, I got a confirmation number that the transaction was completed. A week later, same thing happened. Finally, I called 1-800-compass, and spoke with someone who guaranteed that it was taken care of.

In September 2011, I received a call from the Overdraft Protection/Line of Credit department again, saying that I owed money, and now it was a much higher dollar amount. At this time, I looked at my account online, and saw that there were 35 $16.38 charges to my account, from a company that I have never heard of. Almost all of these charges were on the same day in February 2011. I researched the company, and found that there is history of them fraudulently charging people's accounts, and credit cards. I spoke with a representative from Compass Overdraft Protection/Line of Credit department, Jennifer, about the fraudulent charges, and they advised me that I had to contact 1-800-Compass to file a fraud claim.

They also advised me that there was a $521.94 charge to my checking account on December 24, 2010, that the Line of Credit account had paid. I researched this as well, and it was a charge that my husband had mistakenly made to the account, by paying a credit card that was linked to the account, and had not been changed to my new account. I acknowledged that error, and paid the $521.94 immediately on the phone with Jennifer. I then called 1-800-Compass, to file a fraud claim for the $16.38 charges. I was told that my account was now closed, and that I could not file a fraud claim. In December 2011, I began receiving calls again from Compass, stating that I now owed over $800.00. Nobody could help me over the phone, and they all advised me that I had to go to a branch, and talk to a branch manager. I did that, and was advised that she could not help me either, other than to request Client Services to contact me. They did, and they cannot help either. They are insisting that I owe in excess of $800.00.

The balance owed on this account is all fees, and interest on an amount that they had access to (via my savings account) from the beginning. They will not take a fraud claim for the fraudulent charges, as they say that it is past the time limit. Remember that I did not even know about these charges, until the account was already closed. Why was my balance in June 2011 the same amount that was in my savings account? Why didn't they have those fraudulent charges then? Nobody can answer that question, because nobody at Compass Bank seems to be able to access information from all 3 accounts. I agree that I owe interest on the $521.94 charge that was my mistake from December 2010, to September 2011, when I found out about it, but they cannot tell me what that interest's amount is. All they will say is that I owe the total amount, because the Line of Credit paid out for me.

I understand that this is a little complicated, however, the bank's attitude is that they are not willing to consider the entire situation. They are not willing to accept that, because they have departments that do not communicate with each other, and that they are at fault. They do not acknowledge that they have an obligation to prove any amount, that they claim is owed to them. Their attitude is simply "you owe us, pay us, or we will commence with collections efforts, and ruin your credit". This must be a violation of some banking principal. If not, at least it is an extremely arrogant disregard for customer service. I'm looking for someone that can help me.

I would not recommend Compass Bank to anyone who is trusting an institution to protect their money. I had three business accounts all of which have been billed $11.95 on the account. The account was dormant due to the fact we moved out of state and there was no Compass Bank in the area we moved. I assumed my money was safe. I was wrong! I just learned that they have charged me $286 in service fees. Unbelievable! The best they could offer is two months credit for the service charges. Go somewhere else. There are plenty of banks that don't need to charge to hold your money.

I have banked with Compass Bank for over 15 years. Ever since they were taken over by BBVA their service and products have suffered. First, they forced all of their customers to go to online statements or else pay very high fees. Then if you tried to get a specific type of statement, one that they had advertised, you spend 3-plus days on the phone and in a branch with people who had no idea what you were talking about. Even when you had the letter sent from the company sitting in front of them. Once I finally got a hold of someone who did know, and I was able to set up the product I wanted. Then the end of the month came, no product. What a waste of time!

And this is why I am leaving! Compass has always refunded other banks' ATM fees. According to their website they still provide this service. See link: **. Of course it is a lie. I went into the bank to my favorite teller with a copy of my online checking printout to ask what these $2.00 are. She told me that they stopped free checking and did not tell anyone. I feel really bad for her. She is a really nice young lady and should not work for such a crummy company. I am waiting until I run out of checks and looking to see what the best banking options for my needs are.

When Compass Bank took over Guaranty Bank, I spoke with them about how they charged overdraft fees because they had paid the largest transaction first which created a negative balance and caused three small amounts to be charged also with overdraft fees. They would not have been insufficient had the largest transaction not been deducted first. I was told that the transactions were deducted at the point of sale, in other words, they were deducted from your account as you made the transactions.

Last Saturday, I made two transactions and there was enough money in my account to cover these transactions. On Sunday, I made an ATM withdrawal that was more than the balance of my account creating an insufficient amount. On Monday, they deducted the Sunday transaction which is the largest amount which created an insufficient balance and then deducted the other two smaller Saturday transactions and charged $38 for each transaction. When I called the customer service, I was told that they paid the largest amounts first because it might be a car or house payment and they care so much about their customers that they are doing it out of concern for them. I asked the lady if she really thought it was in the best interest of the customer to charge them three insufficient fees instead of one. Not only that but they sent me a letter telling me that they would pay amounts up to $650 that are insufficient so it is not as if I was being irresponsible and overdrawing my account. I told her I would love to see a statement showing how much the bank makes off of this business practice every year.

I am your average person and if it happens to me, I am sure it happens to thousands of others everyday. She kept telling me that she could see my point of view and she would have the complaints department call me not because she thought I should complain but because I asked who to complain to. You know that if they call me at all they are not going to refund my money. The bank is responsible for taking care of the customer's money. They should be held to the highest business standards and not be allowed to take however much they want of your money by using sleazy and unethical business practices. This practice affects many Americans like me that live from paycheck-to-paycheck, who the banks take advantage of because they don't have enough money to have a voice.

They do not post ACH direct deposits until at least 4 hours after every other bank. This is very annoying but the final straw is this Thanksgiving weekend, when our checks were sent to the banks for deposit on Wednesday instead of Friday and everyone else got their direct deposit except my and my Compass account! I have two other accounts, both at credit unions, one of which is out of state, and they both posted my paycheck on Wednesday. It was only Compass who is holding everyone's money up so they can get a little interest out of it. Closing my account Monday.

This bank does not even deserve to have 1 star rating. Over the last 14 days, I have made 3 deposits. One was a check from the Supreme Court of my county, one was an automatic payroll deposit, and the most recent, was a cash deposit made at 9:16AM. All three of these deposits were processed. After the debits, I have had over $200 taken from my account. The bank manager is rude, and the customer service out of Birmingham AL is rude. They have no business since. This is just the start for me. I am going to be speaking with attorneys, after attorneys, until I can get someone to help me with the unethical business practices, of this so called bank!

They continuously hold my direct deposits until late into the next day. I have discussed this with the bank and their customer service, and they keep trying to blame my employer! I am the only one in my company that has this problem. so it is BBVA Compass. Furthermore, they hold transfers for days when they are supposed to be automatic. I have to be up and about early for my job and I can not even get my money until almost 8am or so. This is ridiculous!

I tried to open an account with Compass Bank located in 2631 Cross Timbers Road, Flower Mound, and Texas. I had a valid government issued military ID and a social security card. The personal banker, Carolyn Byers and her manager turned me away because they do not accept military ID's, and they accept only driver's licenses.

I closed an account that I had for over twenty years. Later, I received an NSF (no sufficient fund) notice of $38 for a draft that had been set up many years earlier. The 800 number instructed me to go to the branch to have it removed. I arrived at the bank to pay $50 cash to cover the draft, and the bank manager responded, "I can remove it, but I won't". Then he refused to provide me the address of the home office or CEO.

For years monies up to thousands had sat in that account without me being paid an interest. I wrote the website's customer service, but yet to hear from them. So, this must be a company policy to reopen accounts in order to collect NSF fees. It would have been nice for the bank to remind me that automatic drafts might be done up to ten days post closing. I would never do any further CDs (certificates of deposits) or banking with Compass Bank.

This is about BBVA Compass Bank. I get the feeling that there will be a run on this bank in the future. Since the takeover by Compass, it is being slowly run into the ground. They are not even paying their own bills, according to a poster on this website. They also have a ton of other complaints; from incompetence to shady banking practices. Stay safe. Don't bank with Compass. Cut your risk; take out your money, and put it elsewhere. They are a poor excuse and bad example of a bank.

Compass Bank is nothing less than an institution full of criminals trying to steal every dollar they can from their members. They hold hidden charges that do not show up on your electronic banking that cause current charges to cause an overdraft. This snowballs into many checks being charged an overdraft fee. Don't bank with Compass. They are white collar criminals! With the hidden charges, it caused four checks to bounce. Compass Bank is taking their profits and laughing all the way to their corporate jets and multi-million dollar estates.

I operate a business that sold flags and flag parts and maintain flag poles in the Rio Grande Valley of Texas. I performed these services for four Compass Bank locations during June 2011 and have not received payment. The branches were in the Edinburg Main branch on University Drive, Hidalgo branch on Esperanza, the Mission branch on Conway, and the Weslaco branch on International.

On June 12, 2011, I had a sufficient balance in my account to cover all ATM debit charges against my checking account. On June 13th, all but one of the charges were posted to my account. All debits except one were under $10 and the other one was under $15.

Unknown to me, the Sate of CA was trying to collect on a state tax bill. As I was working with the State, they sent the bank a statement that they wished to place a future garnish from my account. I received no notice from the bank. No garnishment occurred and no money in any amount went to the state!

However, BBVA Compass immediately wrote themselves a check for $75 as a fee for this garnishment, even though none occurred, and took it out first on the same day they debited the smaller amounts. This caused each of them to all bounce and then they charged me an NSF for each of them, rather than clearing them before the $75 fee.

When I went to my local branch manager, he insisted, after looking at the screen, that the $75 went to the state when clearly it had a description saying it went to the bank. He promised to have someone at the bank headquarters in AL give me a call as he could not reverse any NSF fees. That is all I was seeking - a reversal of fees caused by them, not by me.

Lettisha **r called me from Alabama and she explained that nothing could be done and that I should clear up the NSFs as soon as possible! She claimed the state should have notified me and that would have prepared me for the debit. I called the state and spoke with the person I had been working with and was told that they only notified the bank. She also told me she would assure that no garnishment took place as we were working on this case.

Many weeks later, after many attempts to get the fees reduced, Lettisha finally said that she would see what she could do. I got a letter from her saying she had given back $114 in fees. By this time, more weeks passed and the $224 in fees had grown again because they had added overdrawn fees of $25 every month, and I was now close to $300 negative due to the way they debited the $75.

The irritating thing is they did not notify me beforehand. They took it out first on the same day while knowing they would earn fees and they added overdrawn fees on top of it each month while I was in contact with them about the fees.

I planned to make a formal complaint against them yesterday and went online to find where to do that. When I went to my online account today to pull off references, I now see that they have gone one step further and have now charged off the account and closed it. I assume their next step is reporting me to all three credit bureaus where I will immediately dispute it.

I have emailed Lettisha and notified her that I have made a complaint with the Federal reserve and now with this organization and that a formal complaint will be filed with the Alabama State Attorneys General and copies are sent to the executives at BBVA Compass.

Avoid BBVA.

Dennis

I am so aggravated with Compass Bank. Over the past year, they have constantly let me down. I have been banking with them since 2008 or 2009. Recently for the past several months, they have either denied to cash my checks for whatever reason or wouldn't let me withdraw my own money. They have constantly given me incorrect information regarding my account, in which I have had to pay extra fees because of their incorrect info. All they will say is, "Oh, I'm sorry you were misinformed, but we will still going to screw you!" I have had to pay numerous overdraft fees because of the way they process debit and credit payments. I can go on and on about the constant misleading info from their representatives!

Just yesterday, I needed to withdraw some money from my account. And I lost my wallet. Under the circumstances, you would think they would help me out. They refused to let me withdraw my own money out of my account. So now, how am I supposed to pay my bills this weekend? I told the manager that they suck, and I am wasting my time banking with them, because they are refusing to cash my checks and let me withdraw my money. So why the hell am I even banking with them? Then, they keep going up on the monthly service fee, which is going into effect at the end of this month! Come on, who wants to pay $14 for monthly service fee when Compass Bank is sorry?! I told them yesterday I am closing my account, because they have done nothing but screw me!

I have noticed an ungodly amount of overdraft charges, some of which occurred on my paydays, since being with Compass in March 2011. I also noticed my pay checks, which were direct deposited, being held until the following Tuesday.

I went into my branch and talked to Wendy. She couldn't even figure out the reason for the excessive overdraft charges, so she called corporate. Of course, he had a logical answer. They hold a bunch of transactions that don't show up as pending, so you think everything has gone through. Then they send them through all at once, highest amount first. If you have six transactions and three of them are overdrawn, they charge you overdraft charges for all six. I repeated it back because I could not believe what I had heard. When I told them they can't do that, Wendy rolled her eyes at me and told me that I just don't understand so let's get back to the issue (the other person was on speaker phone). I thought that was the issue. Nothing was resolved. They stand behind their scams.

As far as my direct deposit being held for two days past the deposit date, which is illegal, Wendy blamed that on my human resources department. I have asked around work and I have yet to find anyone whose bank holds their direct deposits. No one at my job has Compass besides me.

I closed my account in May 2011. An automatic debit appears two weeks later for $1.98 and Compass immediately slaps on a $12 overdraft penalty (this is while my account is supposed to be closed). I contacted their corporate office and had them close my account by phone so the branch couldn't tack on any bogus claims. This whole time, the corporate is very confused as to how the account was handled and what is going on. The representative tells me, "Yeah, they should have closed your account when you were told that the account was closed." I already filed a BBB complaint and offered to pay for the original $1.98 from the automatic debit. Compass claimed that it wasn't good enough.

Unfortunately, we were approved for an auto loan with Compass Bank. We made the payments on time for about a year after which I took a sick leave, and lost my job. We called the bank to inform them of our problems there response was "sorry", "too bad" and "we will turn you over for collection". They were ruthless; using Gestapo and Nazi tactics, and consistent in lying about promises they would agree to. Many of the late charges we paid to catch up were never applied; we believe were pocketed by the employees and management.

Needless to say, after they tacked hundreds of late charges and their supposed attempts to repossess the car, which we were never told about, they continued to tack on bogus charges to the total amount of $ 2,300.00 dollars.We finally paid the total loan off, and constantly asked for a clear title. Our request was always rejected. Finally, they sold our account to some other bunch of **. I will never pay them for anything I do not owe. Their leverage is not sending a clear title. They have tried to extort from us the money they claim we owe. The FBI, IRS, Senate Banking Committee and Arizona state banking officials have been notified, along with TV stations in both Arizona and Alabama about what's going on.

I was not aware that Compass processes debits before credits. So to date, I have paid over 2100.00 in NSF fees. I caught on when I deposited 150.00 cash and went to my car and paid the bill I had put the money in the account to pay. Within 10 minutes, I had a 38.00 NSF fee because the cash debit was not posted prior to me paying the bill. If anyone can tell me where should I start a class action suit, please advised.

Compass bank would post debit card transactions from the highest to the lowest dollar amounts. In addition they would post debits even though deposits in cash would come in the same day before close of business. Therefore there would be numerous overdraft fees on my account in the hundreds of dollars. This same business scam that BOA did and is now in a class action lawsuit.

I called on 7/29/2011 to find out what happened to our application to defer a payment. We never received the application by email. My wife called over a week ago to defer a payment on our home equity because I was off work. She called 3 days later because the application did not reach our email. While she was speaking with the customer service agent, she was advised she could skip 2 payments if she would like and she offered to turn off the auto pay on the loan. I called today and was advised by Keisha that collections was reviewing my account and request because I was out of work. I advised her we asked to defer a payment and haven't had a late pay in the 4 years we have had the loan. I told them to disregard the request for to defer a payment.

I advised her that Compass had the worse customer service I had ever dealt with. I had to call back and make my payment over the phone and turn my auto pay back on for next month. The customer service agent this time advised me when asked that you can defer a payment once every six months and just pay the interest. If you are looking for a loan look elsewhere the customer service is the worse.

I have been a Compass Bank member for 5 years. I recently had moved, and changed my address with the bank. I changed my address on a Monday, and my account was frozen evidentially sometime Friday afternoon. Needless to say it was Saturday morning before I realized there was a problem.

I tried to put gas in my car, and my card declined. I had just received a payroll direct deposit on Friday, and distinctly remember seeing it in my account on that Friday morning. I immediately logged into my account, and to my surprise my deposit was no longer showing. My previous balance was frozen, and showed a zero posted balance even though there were funds available.

The two pending transaction on my account were showing negative even though I had more than $1500.00 available.

Being that this was a Saturday morning, there wasn't anyone available who could help me, or give me answers, or even a simple explanation. The only note on my account per customer service was from the corporate security that said, "Frozen for Review."

I hadn't had any problems prior to this, and could not come up with any reason as to why it would happen. Customer service said that they would contact me on Monday to help me resolve the issue. I was given a woman's number in corporate security and it is 205-297-1535. I could not understand her name on her voicemail, but left two messages for her to call me back prior to Monday.

Monday morning about 10 Am, after waiting patiently with no response from either, I decided to take off work, and visit the local branch to get some answers. After making several phone calls, the gentleman/banker was able to get a hold of someone in the corporate security office to explain the Freeze.

Evidentially, my address change "which by the way was still in the same city", Red flagged my account. They froze my savings and checking account, and cancelled my bank cards without even trying to contact me. He was not told that he just needed to verify my address, and email the lady who hadn't returned my calls, nor did she answer or return his call during the time I was at the branch office.

This gentleman apologized to me for the sudden inconvenience, and said that he did not understand why this happened simply because of a change of address. Nor did he understand why I was not contacted prior. He also stated that my account was unfroze at that time, but my funds were not going to be available until the account processed at midnight; even though prior to the freeze, I had funds available.

My direct deposit that I was supposed to receive 4 days earlier would post back at that time as well.

My concern and problem here is with Compass Banks procedures for handling this matter. I was told that a note to freeze the account had been placed in the system on Wednesday. The bank had ample amount of time to contact me, notify me, or ask me to come in for any reason. I use this account for my primary source of funds, and I do not carry cash. This weekend, when I went to put gas in my car which was already close to empty, I planned on making a trip to the grocery store as plenty of people typically do on the weekend, I had bills that needed to be paid / drafted out of my account. . When you expect your money to be available, and all of a sudden it's not it can create a rough situation for any consumer; especially for a single hard working mother of two.

Not only did I have to borrow money to get through the weekend, but I had to take off work on Monday to try and sort this out. Finally, Tuesday my account shows to be back to normal. No apologies or explanations from the corporate office, still no returned call from the lady who froze the account with a better explanation, nor any compensation for any trouble, and expense I incurred due to this.

My advice if you use Compass, is to get an alternate account at another bank, and don't change your address. I have a vacation planned, and will not be leaving that Friday with my money sitting in Compass bank. I will definitely have cash on hand, and placed funds in another bank account. Hopefully, this will prevent me from being out of town with no financial source available for the entire weekend ever again.

Beware of Compass procedures.

I am fairly diligent when it comes to checking my bank statement online everyday, but today I got a little shock! I was charged an $8.95 "SERVICE CHARGE", so I call the customer service line and I am told my account had been converted to a Build Your Checking account. I had absolutely no knowledge of this conversion or who chose the options to "build" my account. I was also advised that this was the fourth month the fee was charged.

My husband and I both use the account and I assumed he was using the card to charge everyday items. I do not ever remember seeing the words "SERVICE CHARGE" on my statement. I was also told that ALL checking accounts had been converted until I let 'Joe' know that I have two checking accounts with them and the other one had not been touched. He, of course, back tracked to advise some had been left alone for now. I NEVER received any disclosures stating that I would be charged a monthly fee. I work at a competing bank and could have all free checking. But since I had been with Compass for eight years, I was trying to be a loyal customer. I will fight this until they refund EVERY fee the charged and I will be closing ALL of my accounts with them ASAP.

I recently found out that my accounts with Compass Bank was being charged a $11.95 service charge per month for each account. I have two accounts with Compass Bank, one ending in 4 and the other ending in 6. These charge caused my account ending in 4 to be placed in a negitive balance. I work out of town for months at a time and was not aware of the notice that was mailed out of these charges on my account. When I spoke to a supervisor in your call center on June 27, 2011 at 7:52pm by the name of Valarie who removed one of two of the charges for each account.

However I do not think I should have to pay any of these fee's, and I feel that my bank of almost 10 years cause I had two other accounts that was opened back in 2001-2002 that was closed due to fraud on my account by a Compass employee. And now I feel that a fraud on my account is occurring again and that Compass Bank is taking advantage of me as well as my business. I would like for someone to call me and remove these charges from my account that I did not approve of. It's been times that I've made and error and was charged a lot of money by Compass Bank for NSF and I've accepted those charges without any question, how this was not my error and I feel that Compass bank should make things right and not Prey on small businesses and individuals trying to get established by sneaking charges in on them.

I was a customer of Guaranty Bank for over a year when BBVA Compass took over. I have been with BBVA for a year now, and I have had this account for a total of over two years. Two weeks ago, I decided that I would open a savings account because I was saving up for a large purchase and wanted to keep that money separate from my checking account. I opened the account online, and the opening deposit was deducted from my checking account. I received all of the nice "welcome" emails and everything was hunky dory....not! Two days later, on payday, I went to the bank to make a transfer from my checking to my new savings. Lo and behold! Houston we have a problem.

Apparently, BBVA ran my information through EWA (a company that is gradually replacing Checksystems), and discovered that six years ago, my name was placed in this database. Therefore, I was a fraud risk to BBVA, so they froze not only the new savings account, but also my existing checking account (of over two years), and they were in the process of closing both. How inconvenient for me that my payroll check (of over $4500) had just been electronically deposited that very day! This was a Friday afternoon and thank goodness I had decided to do some banking on my lunch hour or I would have been totally screwed all weekend. They completely cut off my access to my money!

I went through a huge hassle of trying to withdraw my paycheck while the teller and supervisor called several fraud departments right there at the counter! I should mention that the line was long - there were only two other tellers open and the customers in line (angry and impatient at this point) could hear every word of what was going on. I was extremely embarrassed and finally, I asked to see the branch manager and demanded to be allowed to sit in his office where I could have some privacy and try to maintain at least a shred of dignity. Finally they agreed to allow me to withdraw my pay, but the remaining $500 or so is being held for 3 weeks, so that they can earn interest on it before sending it back to me by mail. Please do not become a victim of this Nazi bank.

I go to open up new checking account & found out that Compass Bank from CO had used my social security number for a landscaping company & it showed that my social security number did not pay a bad check in the amount of $306.95.

I have created a new website called www.suecompass.com. As many people who have unfair NSF charges against them, they can get together in one place to actually start a class action lawsuit against BBVA Compass over NSF fee's. If an attorney from this site is interested, please contact us as once we have enough parties we plan to initiate a lawsuit similar to the one recently won against Wells Fargo.

Since Oct. 2010, I was told to my face that my account had not gone into overdraft protection. Three times. I asked twice in person, each time, "Are you sure? ". I was told no. It turns out my checking was in overdraft twice and even though I made a deposit, they continued to charge fees. I paid one overdraft protection off and it happened again. I asked again, is it in overdraft? I was told no. I was lied to blatantly. I asked for return of fees and one of them became very defensive. Dawn, manager, offered a refund of one $12 fee and that she was going to 'call me' about it. She never did, neither offer was valid.

Second time around, this month. Kamika, an Asst. Manager, blamed the new tellers for 'not knowing better' but they should have been trained to at least be able to look up on my account to see if I was in overdraft. They tried to, but couldn't even do that. So instead, I paid over $200 in fees. This is just illegal and wrong. I've paid years and years of fees to this branch and I am seeking a new bank. Oh, and the salt on the wound came when Kamika called and used terms like "advanced", "loaned" and "paid" as subs for the actual word she didn't want me to catch which was "fees".

Overdraft fees were also charged when I had money in my account, but they hadn't or refused to respond to my question honestly (i.e., Am I in overdraft?). How can they charge fees for overdraft after lying to me and saying I wasn't even in overdraft? They did, repeatedly. They smile as they lie. Very nicely as if that's supposed to make it okay. I am disgusted by the blatant lying and blaming of their "new tellers who didn't know better". I was told, "We have a lot of new girls" by Kamika, as justification for these new tellers lying to my face saying I wasn't in overdraft. I checked in person twice since it happened in October and was lied to at both times. Now, I had to pay interest on the overdraft protection that they had told me had not gone into effect and paid more fees! Lies. Sue this bank for their illegal actions.

I opened my accounts with Compass Bank in 2002 when it was still a regional bank. Although there had been a few glitches here and there, I never really had any problems until last August when I signed up for overdraft protection in the form of a line of credit. At the time, I had three different checking accounts: a primary checking account, one used exclusively for car payments and a joint account with my partner.

I had applied for the line of credit on all three accounts, which I was told would be no problem since my credit score is over 800. However, they applied the line of credit to two of the three accounts, neither of which was my primary checking account. I returned to the bank, filled out the paper work a second time and waited. Nothing. I emailed the customer service center through my online banking, asked what had happened and got a standardized, computer generated response that did not answer my question.

I went back to the bank (this time to a different branch) and inquired about the third line of credit. The teller told me that she had never seen a line of credit on more than two accounts; when I explained that another branch had told me it was fine and asked why she thought they wouldn't do it, she said my credit score wasn't high enough and that the representatives at the other branch had been mistaken. I understand that honest mistakes and miscommunications happen and expect them to be an occasional issue, which is what I reasoned this was.

I didn't want to complain or quibble. I just wanted the line of credit on the account I use most frequently, my primary checking, and asked if there was a way to take it off of one account and put it on the primary checking account. I was directed to another representative who had me fill out more paperwork. She assured me that she could make the switch and said she would email me when the switch went through or if she ran into any problems.

Unfortunately, nothing happened. No switch, no email and when I returned to the bank to inquire about it a fourth time, no explanation. At this point, I began to wonder why it was so hard for the employees of Compass Bank to follow through on what they say they will do, obtain consistent information between branches and explain the limitations of their products. For the time being I let the overdraft line of credit issue go; I was busy and it wasn't urgent. In December, I received a letter from Compass saying that payment toward the line of credit on the joint account was due immediately and would go into collections if I didn't pay it. This struck me as odd, since there was a positive balance in the account and I had made deposits since the charge occurred.

After some digging, I realized that you must tell the teller to pay the line of credit when you make a deposit and that the deposit isn't automatically applied to the balance. I realized this after talking to friends about their accounts; no one at Compass had bothered to explain this to me (or my partner as neither of us could remember being told about this), no teller had asked if I wanted to apply my deposit to my balance and none of the literature the representative had given me mentioned this crucial detail. I am a reasonably intelligent person, but I am not error proof.

I checked the pamphlets and brochures thinking maybe it had been mentioned somewhere and I just overlooked it. At this point, I decided to close my accounts with Compass and go to another bank. Although the employees have been consistently pleasant, the lack of follow through, lack of consistent information and lack of explanation about their products led me to conclude that they have terrible customer service. It seemed like they just don't have it together.

In late December, I paid the balance on my line of credit, closed my accounts and gave my new account information to all the parties who debit automatically out of my accounts. I enjoyed a nice holiday out of town with my in-laws and returned to find that Compass had paid an electronic check and a pending transaction that had been held for nine days on a closed account. Because the balance on this account was $0.00 when they allowed the transactions to go through, I got slapped with two $38 insufficient funds charges on a closed account.

When I called to ask why they had paid two charges on a closed account, I was told that the account remains open for 30 days after it has been closed in the event charges needed to go through on the account. When I pointed out that the point of closing an account is to make it inactive, I was told that it was their policy to keep the account open for an additional 30 days so that transactions can be processed.

I was not told of this when I "closed" my account nor was I told of any pending charges when I asked at the time I closed the accounts. When I contacted my insurance company and the vendor with the pending transaction, neither of them had ever heard of a bank allowing charges to go through on a closed account; both stated that in all other instances such as this, they receive notification that the account has been closed and that the transaction cannot be processed. I do not mean this rhetorically and I know the answer is not here but I ask why did Compass Bank choose to honor two debits on an account with a $0.00 balance that had been closed?

This bank will steal you blind on fees. I will be closing my 3 accounts with them. They are not going to get 1 more red cent from me. They are nothing but a bunch of crooks. Consumer, beware of this bank.

Compass Bank is trash. They falsified and forged my name on an account form in May of 2000. They were working a trash car dealer by the name of Southwest Infinity. It does appear that they were working to falsify credit applications in the Houston area. The Houston Police Department appeared to obstruct justice in this matter by not processing my complaint.

I noticed complaints about excessive NSF charges by BBVA/Compass banks in Florida (I think this was newest area for BBVA). The same scheme affected our account, and our company is now part of a class action lawsuit filed just for this problem. Our case is filed in Texas, but this lawsuit is reaching out to lots of other states as well. Our lawyer is Marian Rosen & Assoc(they have a toll free line). Just tell them you're calling about the BBVA-NSF case.

I cashed in a CD, and deposited it in my savings account, because I needed ready cash for a house purchase out of state. It was lucky I didn't find the house I wanted that week, because Compass Bank removed my deposit from my account, due to some hogwash reason. A loss of deposit slips, blah, blah, blah, you know the excuses. It was in the computer, and I had all the deposits slips for proof. What if I had made a cash offer, and the money wasn't there for 5 days. I no longer feel secure with Compass Bank!

I came home to find 2 envelopes from Compass Bank in the mail. One was a credit card bill dated Sept. 9, with a late fee attached. The other was a letter, dated Sept.11, telling me that my credit card payment was overdue. Money was taken out of my checking account on Aug.31 to pay this bill. I immediately called customer service. This customer service representative told me that the payment was received and posted to my account on September 6th, and that it was my August payment. I told him that I always pay the bill on the last day of the month, that I always pay more than the minimum amount, and that I should never have a late fee. Looking at my payment history revealed that 2 payments were posted on the July billing cycle, one at the beginning and one at the end of July. The representative refused to remove the late fee.

I spoke to his supervisor, who tried to get me to sign up for an automated payment so they can take money out of my checking account (at a different bank) whenever they feel like it. He also refused to remove the late fee.He said sometimes people make double payments, and he shouldn't have to guess what billing period to apply them to. I agreed, and said that's why I'm calling you, to tell you to apply my payment to the upcoming month and waive the late fee. I restated my position and asked to speak to his supervisor, who had gone home, so I have to call back on Monday.

I cut up this card over a year ago in frustration. I also closed my Compass checking account, and transferred everything to another bank. I pay my credit card bill online on the last day of the month, every month. I always pay more than the minimum amount. I should never have a late fee. If there's ever a class action lawsuit or anything against Compass Bank, count me in!

I was charged $266 in NSF fees because of their hierarchy of processing debits before credits. I had sufficient funds to cover the debits, but they purposely put through the highest amount debit first and then the smaller amount debits, which racked up 7 $38 NSF's. My daughter and I are now in dire straights for the next two weeks, we have been left with under $70 to work with. Someone has to stop this type of theft. This cannot continue.

I do online banking for all my bills. I noticed that I paid my mortgage twice, same day and exact amount. I was upset by my own mistake, but I figured I was just a month ahead on it. Two months later, my mortgage company said, I was a month behind. I went back and pulled it all up, only to find out one was mortgage payment, and the other was a charge I never authorized.

As you can imagine I was frantic. It was over $800. and I am the sole provider. I called, but they said I waited too long to report it. I then went down to the bank and explained it, and they took it all down, had me open a new account, and gave me every indication they would give it back. Now here is the rub, a month ago, I got a check that I was suspicious about, because it was a refund for a book company. I took it to Compass and asked them to hold it until it went through, in case it was a scam. They called me and said the check was no good. I came to find out it was a check from the bogus company that cashed a check through my account, and it was a refund for it. The bank destroyed the check. I get a certified letter they can't help me because I took to long to report it. Really? I can return socks at Wal-Mart for up to 6 months after purchase, for goodness's sakes. I am so ** off, I want to just pull out my hair. I'll tell everyone now, what happened. I will lose my home, since I can in no way recoup my losses.

My Compass Gold card was set to expire on May 31, 2010. I began getting emails regarding the expiration of the card from monthly subscriptions such as Identity Guard and E-Fax. In June, I got a statement for charges from both of these, even though the card had expired. I contacted Compass Bank (call recorded). They stated that a "declined to renew" letter was sent to me in March notifying me that the card would not be renewed. I asked them for a copy of the letter. I also asked them why they would accept charges on a card they knew would not be renewed. I notified them that by accepting charges after the expiration date, they re-established credit under my name in the amount of $12,920 without a contractual agreement or authorization from me.

I asked that they send me the "decline" letter. But instead, I received a "new" card in the mail three days later with a credit limit of $13,000. The new card has the same account number but a different 3 digit security code. July's statement shows they are still accepting charges from both of these businesses, even though each business account was set up with a different security coded card. The bank has now told me the credit limit on the inactivated card has been reduced to $200.00. And they still send me notices of payment due for the accepted charges.

I could not be more unhappy with BBVA Compass. We opened a business Accpimt in April of this year and have had bad overall service from the beginning of its inception. It took more than two hours to set up our account--despite having made an appointment and providing all of our financial information via fax 24 hours prior--because of printing problems, our checks were sent with the incorrect address.

We were ordered three times and rejected with no one calling us to let us know; all three times representative assured us that they had been mailed to us; they didn't even know that the order was not completed. The location we use primarily, River Center Mall, has been lacking leadership and it shows in every possible way. They frequently run out of change, cannot keep employees, and do not supply change request sheets. Additionally, I was given a large, old, beat up Guaranty Bank deposit bag with a large zipper on it when I asked for a deposit bag and was told that was all they had for the time being. When I explained a week later that it didn't fit in my safe and asked for just a plain one with compass on it instead, I was told by the unfriendly assistant manager named Hercilia that I would need to buy one for $10 and that they would not take the old one I was given a week before back.

I have tried to get through to the regional manager via the myriad of menu prompts and the manager's name (Gus **) does not appear in the directory. So I have not been able to voice my concerns before now.

Tonight takes the cake and has prompted me to take the time to complain on the web. I just received a survey call on my cell phone for a branch that we have used one time since opening our account. I explained that my husband had used that branch only one time and that I was better able to speak on the service provided at the River Center Mall branch. The caller asked me if he could have my husband's number and I told him that my husband definitely would not be interested in taking a survey call on that branch but that we would like to voice concerns for the RCM location instead. The representative said that the call was only for DeZavala and hung up on me.

I hate that I have to deal with this bank and the only reason that I do is that I can get change every day (when it's available) without leaving the mall, which is where my business is located. I understand why so many business owners in the River Center Mall warned us against banking with Compass when we bought our business. I wish I had heeded the warning or that I had time to drive to Wells Fargo down the street. Their customer service is lacking in every way it can.

I opened several bank accounts with the Compass Bank in 1996 and have opened several more accounts through out the years with Compass. In 2008, Compass upgraded our status to Preferred Customer and raised our limit on our visa card then in the same year, I paid off the balance of the credit card to a 0 balance. Then Compass merged with BBVA and 6 months later, our balance was dropped from 15,000 to 7,500.00. 6 months after that, they stated that we would not be able to receive our renewal cards. I have 5 accounts with Compass and I am in the process of closing them all and moving to a new financial institution.

Let's follow in the steps of Wells Fargo customers and stand up for our rights to our own money. Compass bank uses the same policy as Wells Fargo on processing of the debits to make sure you pay the highest number of NSF fees. They also are holding my deposit of $9300 for a week, because I had been overdrawn in the past. The deposit consists of 2 checks $9000 and $300. They won't even process the $300, which would make sure the overdraft wouldn't occur in the first place. They told me if I made 2 separate deposits, one after another, with 1 check in each, only $900 would be held. They will not reverse the fees. Of course, charging more fees in the meantime. This is ridiculous!

Let's unite and bring them down together! I have fees in amount of $228 because of the check being held for a week! They usually process smaller checks within a day. Plus, all the fees I paid in the past due to malicious processing of my debits.

April 16th I duplicated my bill pays for the month. I tried to stop it by going directly to the branch and they said once the bill pay was "pending" there was nothing they could do. I di everything I could and arranged for as much funding into my account as possible. On the 21st, I looked online and it looked like I would only end up with one-two checks bouncing. All the small items were in pending status.

On the 24th, my mailbox was full of return check notices. They reversed all the "unreversble" pending items I saw on the 21st, bounced them and put through 2 larger items on the 22nd. This started the spiral. I have paid out over $500 in fees to Compass for this debacle. I went to close my accounts transferring what little I had left in my savings and the savings accounts for my minor children two paychecks later leaving a -$495 balance in my checking. I was told that my account would automatically close in 2 weeks and it would be sent to collections at that point.

Yesterday, I received another notice and am up to $750 in the whole with them. They keep processing bill payments I had cancelled and didn't think would go through since the branch told me that the account would be frozen in May. I cannot log in to stop them from sending and they just keep bouncing checks and racking up fees.

I am active duty Military. I banked with Compass Bank while a student at Auburn University. I never closed my bank account because I planned on using compass bank when I return to Alabama one day.

When I signed up for the checking account I was assured that I would not be charged any service fees. I moved away to California with the service and have not used that account in years even though I had over $100 in the account. When I checked the balance a while later, I learned that Compass Bank was taking out $5 a month since I have not been using the account.

They will not close the account over the phone either. I was never contacted about them taking my money due to inactivity on my account and it was never a part of my original contract.

I have lost $100 and I have to drive an hour here in California to close my bank account.

I tried to cash some cashiers' checks the other day at the Compass Bank where I opened my account 4 years ago. I am an attorney, and my clients pay me with either personal checks of cashiers checks. I had some cashiers checks drawn from Wells Fargo and Amegy Bank. That means my clients paid cash to their banks to get those banks to issue Cashiers Checks to me.

So, I go into my Compass Branch and endorse the back of 4 checks, signing my name, and including my account number below my signature. I decide to deposit one of the checks into my account, but to cash the other 3 checks. The amount of funds in my account are greater than the amount of the 3 cashiers checks I am cashing (which shouldn't matter, because cashier's checks and money orders are as good as cash). The teller deposits my one check without a question. Then, she tells me that the Signature Verification software won't work for the other 3 checks. I ask her "what signature are you verifying? " And she says "Yours. "

What? I didn't sign those checks as a payor? My clients paid Wells Fargo and Amegy, and those 2 banks are the payors. I am just signing as a payee by endorsing the back of my check. I gave her my Drivers License and I signed it in front of her. I am an account holder there. I opened my account at that branch even (but the turnover there is so high, I never recognize any faces anymore). So, why do they need to verify my signature when I am standing right there? With a picture ID (Driver License).

She tells me, "You could go to Amergy and Wells Fargo and have them cash it for you." My response was, "They will charge me for each one, since I am not an account holder with either bank. That is why I came here, where I am an account holder! To avoid paying those fees! I could have just told my clients to come to my office and pay me cash! " She grunts and then says, "Oh, the Signature Verification software works now. "

(Which is odd, since it worked fine when she deposited my first check, but suddenly doesn't work when I want to cash out the other checks?). So, she pulls up a screen and says, without emotion, "Oh, your signature doesn't match. Its not you. " And then she just looks at me like I should just leave. I don't really take that very well. I say, "What are you talking about? You are claiming I am not **? And you are claiming that the signature I just signed in front of you is not mine? " She says, "Yes. See, the screen shows the account holders signature, and its different. The letters are more fluid and bigger. "

I say "Of course they are bigger - your screen is blowing them 3x larger than the actual size! And are you a handwriting analyst? How do you know they are different. They look the same to me! " I even point to my drivers license and show how the signatures match.

She just gives me a blank stare and says, "We can't go by DLs, we have to use the Sig-Ver software" - which is not even a real handwriting analysis software. It is merely a PDF cache of all my prior signatures, and the teller merely eyeballs the one in front of her vs. that one. It is obvious that she is looking for an excuse not to cash these checks. I endorsed all 4 checks in front of her. She accepted the one for deposit without question. But the ones for cashing, she claims she can't use the software, and then when she can, she claims its not the same signature, even though it clearly is.

By this time the branch manager has come out and basically tells me that I can't cash the checks. I asked if they can look at the other 100 signatures of mine on file. I tell her that I sign a little different each time, whether its the 20th affidavit I am signing in a row, or a birthday greeting card to my son (the first is hasty, the latter is always neater!).

She then reluctantly starts to check other signatures on file! I even start signing my signature to blank paper I see (backs of deposit slips) just to prove how the same signature looks depending on how fast or neat I sign it. They give me real grief over this. They tell me that another reason they don't want to cash the cashiers' check is because there might be a stop payment on it. I say, "Is there? " And the teller says, "No, not yet. " I say to the manager (who is now standing right next to me) "Then it doesn't matter. Unless there actually is one, why mention it? You will deny my cashing this check on the basis of a Hypothetical stop payment?

What happens if there is one, after I walk out of here, are you going to chase me down and take the money back? " She responds, "Yes, and we'll call the cops too if we have to. Which is what is going to happen if you don't leave right now. " I said, "Look, my driver license and my social security card are right here. You see my picture matches me. I am account holder here. Why would I deposit one check but cash the others if I was not the person on the account? You have my thumbprint on file. Can I give you a thumbprint now? " She says, "Enough sarcasm, we are calling the cops. "

I finally get my cash, but only after the threats to call the police. I make the comment, "I bet that you guys are being reluctant to cash my checks because you don't have enough cash on hand to cover it, huh? I bet this fractional reserve banking results in a policy of denying cash outs every chance you can. Because you have given me three ridiculous excuses to not cash the checks (1) software not working (2) software working but my signature is not my signature, (3) there might be a stop payment, in the future, after you cash it, but you have no way of knowing that might happen. Wow. All to stop from cashing my checks.

At that point, the manager gets very heated, very angry and tells me that I am to never come to the branch again, on risk of being arrested! And she practically screams it. Which makes me wonder -- was I right? Did I hit a nerve? Maybe the problems that BBVA is having and the Spanish government is resulting in their branches holding less cash on hand, which means when someone wants to cash out close to $3000 (but has well over 5x that amount in the account already), they must get nervous.

I don't know, but I am closing my compass account and opening up an account with a local Credit Union. I refuse to be humiliated by a teller who can look me in the face and say that my signature that I just wrote in front of her is really not my signature. I doubt they are hiring tellers on the basis of their ability to do handwriting analysis. And if they are that concerned with account holders looking like the real deal, but not signing it exactly the right way, there is analysis software that can figure it out independent of the teller's subjectivity. And there is biometric software they could use as well. My iris scan and my thumbprints would have eliminated this stupid fiasco altogether. But to allow their teller to be able to make snap judgments about handwriting and to deny service to 4-year customers over such subjective and untrained conclusions is ridiculous. What is next? A teller looking at a Driver License and saying "Nope, not you in the picture! "

Well, since some of us age and gain weight or lose weight and only get DL pictures once every 7 years, its only natural we change. But a facial recognition software would see that you are the same person, despite the changes. A minimum wage teller, with a chip on her shoulder, can claim that you are someone different, and apparently, her word can be final.

Give a little bit of power to a very bitter person, and they will use it to harm as many as they can. Compass needs to change this policy very quickly. Account holders in person should not have to need a teller to interpret a signature when the account holder has just proven by ID and password who they are. IF Compass expects their tellers to perform this level of security analysis, then they at least better start hiring handwriting experts who know what the heck they are doing! I was told to leave and never return to that branch.

I complained to the Corporate office about this, but have not heard back. I will be closing my account. Oh, and I will tell my doctor clients, whose signatures are horrible, that they better stop using Compass as well. Tellers apparently have the ability to deny service based on exactitude of signatures, regardless of photo id, etc.

My mother and I went into Compass Bank in order it consolidate some accounts. I have a valid durable power of attorney. The bank manager told me that my durable power of attorney wasn't valid as it was three years old and they froze her accounts. Now the direct deposits won't go through and the "suspect" (me) will have to sort it all out. Compass Bank: Helping people by taking away their access to their money. My mom and I were both upset but I have money so we're not on the streets but if you are alone and the bank's "doctors" decide that you're incompetent they will have your money and you will be living under an overpass.

I received an NSF charge because a company had a pending amount more then actually posted. So Compass overdrafted my account even though the posted amount was less, ergo, I had the money in the bank. It happens all the time using a cc/debt card that items my be pending that do not post. This does not mean that that money is gone out of your account! Here is what I wrote them:

"I should not receive an NSF charge for items where the money is in my account. Even if there was a pending item for $1 million that ties up my available balance, yet does not post, then I would have that money in my account. You understand? It would be as if I had a disputed item that did not post, the money would not have left my account, therefore the money would be in my account. I do not know how many different ways to articulate this.

"My fiance is a CPA. This reeks of class action lawsuit if this is happening and not being remedied. And I should not have to wait for an escalated reviewed phone call regarding this manner when I call. Half the time, no one even calls back anyway! If you look at my account, the handling of my disputed ATM amounts return happened quicker than your return of my overdraft fees, which where not a courtesy but a policy. But that is a different matter altogether."

I have three NSF fees where I should have none. I take responsibility for my actions and would pay if it was due but this is astounding. I am going to research for a better bank and fight them about this.

Compass Bank took over Guaranty Bank in February of 2010. They are nothing but an absolute disaster! They have messed up my accounts blaming it on the switch, yet refusing to fix it. Their online banking has programming errors and they refuse to honor the agreements that Guaranty Bank made with its customers.

They have also stated they would look into situations, yet they do not call back when promised. They are a pathetic excuse for a bank. And we will be moving all of our accounts as soon as possible. The customer service representatives are rude and I have spent over 40 hours and way too much money trying to undue their damage.

Compass Bank used malicious charging techniques that insure that they can assess overdraft fees when they are actually unnecessary. On a number of occasions, they assessed fees incorrectly and when I brought this to their attention, they neglected to refund them and they have consistently refused to answer my calls or messages about them. Loss of over $200, almost 50% of my monthly income in the last year.

Compass Bank has taken many NSF fees from my account that are not correct. They have a "practice" of charging NSF fees for amounts posted the same day as deposits. This is not right. I was told they process the debts and then add the deposits even if the deposits were automatic and actually processed the day before. This last time, the amounts were processed when there was plenty of money in the account, an automatic deposit was posted the next business day and a check was processed that same day. They went back and charged NSF fees for all the amounts that were previously processed!

Another problem is how they use the posted and pending amounts for their profit when it is to their advantage. I am very responsible with my bank accounts and check them daily online. I think we need a class action lawsuit for Compass to get the message, to stop stealing our money. Their answer is always "that's our policy." I have a very limited income and need all of my money. Because of their "policy," I have had to pay many NSF fees, had the stress of dealing with the branch tellers, managers and the 800 #. On one occasion, they refunded half of the fees as a "courtesy." I am disabled so it is hard for me to deal with all this stress.

First, the issue occurred because of a duplicate property tax payment being taken by the county. We were assured an electronic payment record didn't exist, paid via check and somehow the magical electronic payment was taken. That said, the county manually wrote a check to reimburse us within a day of the issue. The real problem occurred when the bank processed the second payment before other pending payments that were listed on the account earlier in the day (highest first, even if received later) thus, putting us into negative balance (property taxes are high). We hadn't had a check with issues but a couple of times in the 13 years we've done business with these people and those were timing.

Understanding these things happens, we asked the branch what to do and were told when the county validated it was their fault we'd be reimbursed the $200 in fees they took. Well, when we got the reimbursement and apology letter from the county, they said that we needed to proceed with an investigation (really this is insulting). We had an affidavit to complete and send, and it would take 7-10 days.

After nine days and hearing nothing (faxed affidavit from the branch with the assistant manager), I called and got the lecture that I don't know the process and apparently neither does any one person in this God forsaken company.

I lost my cool completely today and wound up screaming in the phone that we had sent it to them from their branch and they refused to contact the bank. I went to the branch, spoke to the manager and will take the 76 loss (we were told he couldn't do anything but today, he can write off 4 of 6 charges). They say they will do one thing and do another and have no problem taking our money and will take (now up to 45 days, the process has changed four times in two weeks) to reimburse you of the monies they took in seconds.

When they assured me that if it was indeed proven not my fault and that they would reimburse me, I didn't realize it would be my dime, my time and sanity for them to earn interest while investigating my history with them. The implications are obvious and I'm more than insulted and put out. They have the same view of my account as I do. While I'd rather have my money back, I want all of it out of there as fast as possible.

A couple of months ago, a new bank manager at the Compass BBVA at Ellsworth and Baseline in Mesa in Arizona refused to cash our check for the first time in over 2 years! Same employer, same sole proprietorship business account! She then ignored my husband when he asked why. The next time I saw her, she was so rude, I actually called her a "fat **"! She was wearing this ridiculous tutu-like number that poofed out her already large butt, sorry.

Anyways, I called her a "fat **" yesterday and today we discover she's closed both our Premier personal and business accounts! Cards shut down, who cares if we'd had an emergency or a bill to pay, nothing worked. And this after being with Compass for over 5 years! The only witnesses to the incident were other bank employees, who were trying not to laugh at her, but I doubt they are going to lose their jobs trying to defend me.

We now have no bank accounts! When I get paid through PayPal, which is for my main job, I now cannot transfer my money to pay my bills. Also, my other job is paid to our business and now we cannot cash those checks made out to the business either! To make matters worse, nobody at Compass claims they can help me, because they are junior to this Shelby **r! What do I do now?

The bank charged $76 in NSF fees for withdrawal transactions that occurred on the same date as a deposit which covered the amount of the withdrawals. The explanation was that "withdrawals are processed before deposits." They seemed unwilling to reverse the charges. I don't like being ripped off, especially in these difficult economic times. The executives of this particular bank are absolutely ignorant if they think I'm going for this. This is an example of very poor customer service and as a result, the bank has lost my business permanently. I have also filed a complaint with the Federal Reserve.

Compass Bank created a new bank fee. If you overdraw your account you will be charged $37.00. We all know that, however, if you don't bring your account in good standing within 1 week they will charge you every week an additional $37.00. This is totally crazy! Compass Bank: you should be ashamed of yourself to squeeze every penny out of hard working people. For what? So you CEO's can make 15 million a year instead of 10? Someone should sue them!

The Compass bank PC service has been down since 1/13/2010. Since I do both my business and personal banking with this service, both have been shut down. Worse, they refuse to notify me when it will go back up (have told me to try again in an hour for seven days) and when I call, it takes over 25 minutes to speak to a person. This is absurd for a company of this size. I get all my transactions through downloads from credit card companies and cannot even reconcile the accounts. Does anyone know who we can contact at the top to get some answers?

Compass Bank online has been down for 5 days in a row. They only had it scheduled for 2 days. But now, it has carried on for 5 days and no one at Compass Bank customer service has the knowledge of when it will be fixed. I pay all my bills online and now I can't pay any of them and they are all about 3 days past due. When I spoke to a Compass Bank customer service about it, she told me to call and do it on the phone. The only problem with that is most companies charge an extra fee for taking a phone payment but the people at Compass Bank don't care about that. This has put me behind on all my bills that I pay online. I would have paid them by check if I would have known about this ahead of time.

I got paid Wednesday, my dad wired me some money to pay my bills and my ex husband lend me some money also which is currently sitting in Compass Bank and Compass Bank won't release any funds to me.

My ex husband went and opened an account with Chase and when I asked him to lend me money, he gave me a check for $333.00 which is still outstanding because Chase decided after they opened the account for him they would close it because they ran check systems after giving him an account and he used the account in good faith.

He just found out Tuesday, January 5, 2010 that they decided to close his account and they refused any of his deposits. He informed me that Chase would not honor the check. I immediately called my bank to find out what would happen. They said they would remove the credit and charge me a $6 fee. January 6, 2010 Compass bank, my bank closed my account and accused us of trying to fraud them and now is holding all my funds without word to me when it will be released. I have no money, I live check to check, my rent is past due, my car payment is due, I have no gas for work and no food in the home and they are treating my life like their job. I need help now to get my money away from this bank to pay my bills. I filed a complaint with the banking commission but they will take too long. Please help me.

My Father has been ill for quite some time. I was going back and fort to Edmonton Alberta CA. He passed away several weeks ago. I contacted Compass bank regarding some unauthorized debits with strange check numbers. I was told (very curtly) that they could do nothing about pending transactions. This started the snowball effect translating into over 1000.00 in NSF charges. I was in Canada and unable to make a deposit. Of course, they had me exactly where they wanted me, emotionally distraught and helpless.

When I arrived home, I went to my branch at 40TH St. and Thomas in Phoenix AZ. I waited for a personal banker that did not have the common courtesey to introduce herself or a name place on her desk for that matter. I explained my situation. She told me she could not help me. Then she proceeded to reprimend me for not keeping an up to date check register.

I asked her if she lost a Family member if her check register would be on her top priority list. She shot me a cold hearted glare, and told me to call customer service. I made a deposit of 3200.00 that day, fully covering the NSF charges and then some. I called customer service the next day (once my deposit cleared), they said someone would get back to me today Dec. 24th. No one called. I have no money for my mortgage payment or Christmas for my children. I feel that I have been patronized and lied to. My account did not become overdrawn because I was not responsible. I was ignored from the start. They knew they would profit my circumstances. This so unethical.

My company uses Compass bank for their banking. I recieved an expense check, so I decided to go at lunch and cash it at Compass. Teller asked if I had an account with Compass. I said No, the check is written on a Compass account. She said "you do know there is a 7.50 charge to "cash" a check? I said no, I didn't and took my check back. Told the teller that was ridiculous and I would go to my bank. Will never open an account with Compass.

I have recently found out what thousands of people already know. Compass bank is taking advantage of American consumers. Their unethical highest to lowest debiting, complicated "available balance" vs. "posted balance", and the holding of deposited funds maximize the bank's financial gain from fees charged and has become a bank fee feeding frenzy. This unethical and illegal activity is targeted at the average consumer. Targeting this social class mimimizes the bank's risk of possible retaliation by it's unsuspecting customers. The average working class consumer does not have the time or financial means to pursue legal action.

I will be doing some research into a class action lawsuit against the bank. I am a small business owner who utilizes an account with compass for my wife. I don't keep very much money in this account and transfer money as my wife needs it for purchases. I have had several groups of NSF fees charged to this account over the past 5-6 months when a mistake was made by me or my wife. $380.00.

What I found out because of this experiance is disturbing. If I had just used Compass / BBVA for my business banking I would have never stumbled apon this "other world" where Compass is using unfair, unethical, and illegal policies and proceedures to rip off America's working consumers.

Tomorrow, 12/02/09, @ 10AM CST, I will have an email address to accept emails to compile a list of people that I can hand over to the firm that I will be using to look at a class action suit against BBVA / Compass. I will also setup a blog for correspondence among individuals that I will be gathering for this action.

Interested consumers, please send a name and basic contact information along with the amount of money that you paid in fees for incidents that match my discriptions above. I will email a link to the blog for the people that contact me at this address. I will have to review the emails, so be patient to get the link. Once this thing is on auto pilot, the attournys will be handling the correspondence.

I will narrow this complaint down to just the last 4 weeks, but know this has happened several times. In the last four weeks I have had $320 taken out of my account for NSF fees across two separate times. I don't show that I was ever negative legitimately, but they say there was a hold for a charge that put me negative. Now due to the first charges that came out, they charged me $120 that then caused two charges to go negative for which they charged me another 5 fees for a total of $200. I don't show it and it is not in my statement, but the $320 dollars they took out is there. The hold they discuss is not visible to me in any way and I can't verify it ever existed. At the time of the first I had $300, and the second I had $1000.

When I discuss it with them they are unable to explain why when I point out everything on my statement. Each time it ends the same way. They can't fix it for me and there is no supervisor to talk to. Someone can call me back in 24 to 48 hours. I never hear back from them. I went into my branch and they told me they can't do anything, but they will have the bank manager contact me. I never heard back from them. They are taking my money and there is no recourse for getting it fixed. They know there is nothing I can do so they continue to do it. I'm cancelling my account, but I'm dismayed that they are allowed to operate this way. I have never had problems like this before. In the course of 5 months they have stolen now over $1000 from me and have not allowed me to even show them how they made a mistake. Even customer service agrees that it was not legitimate, but there is nothing they can do. Can't someone help?

Earlier this year, I negotiated a certain rate for a mortgage loan and made a down payment. To my surprise when I received the paperwork, the rate went up by about 3 points. When I enquired, they told me that the rate had gone up. My closing was delayed several times as they kept making mistakes. The only reason I went through with the loan is because I was out of the country and did not have the time to look elsewhere. Then I set up everything for automatic payments including a substantial additional principal.

A month later I got notification that I was in default for non payment. I went to the bank and they apologized saying the person who set it up is not working there again. I went through the process all over again and had to wait for several days to get approval for electronic payment. It still did not occur. The mistakes of this bank cost me a few hunred dollars.

I felt badly one day to tell their customer supervisor that it was the most incompetent bank I ever dealt with. Then when I saw all these complaints I wasn't surprised. I still cannot understand how a bank can continue to exist with such inefficiency and incompetence. I ended up with a much higher interest rate, then also paid more interest than I should have as the bank failed to put into effect arrangements I made for electronic deduction of substantial additional principal.

I opened a checking account with my cousin who had never had one before. I was a signer on the account so I could do business with Compass on his behalf. Since I come from a time when banks didn't honor debits that could not be covered without sufficient funds, I thought that this joint checking account would be safe from my cousin running this account into a negative balance. SURPRISE. I guess only one of us was given the "full disclosure statement" at the time we opened the account. The disclosure said that Compass will honor charges even if there is not enough money to cover the purchase.(like a credit card) MY cousin must have recieved this piece of paper, because I didn't. Unfortunately for me I got burned by my cousin running hundreds of negative balances for which I was responsible. My point is, when I called Compass about why I wasn't given the diclosure statement or welcome packet since I, too, was equally liable, the customer service person said, "Well did you ask for one?" "You got a welcome pack with your debit card." I said I did not recieve a debit card" the rep responded with "Well then. since you already have another account with Compass Bank, we assume you have a disclosure statement about our banking practices." "We have your signature right here that says you agree to all terms."

I asked Compass if they could prvide me with an initialled paper that acknowledged the fact that I recieved the Terms. They could not. Well, I have been to places where I have to initial the fact that I agree, in triplicate, to have my tires changed. Don't you think that something this important should be documented? So no matter what complaint you may have with Compass Bank, they will run you around in circles without having any proof of their transaction with you. By the way, my cousin and I live in different cities, so Compass knows correspondance with him will not be accessed by me. So, Compass issued credit to me that I did not know about. Charged me 38 dollars per item they paid, which is usury, as well as a daily negative balnce fee. A high interest credit card is fairer that having a checking acount with Compass Bank

I advise anyone who is considering banking with Compass to think twice. They have lousy accounting practices. Here is the chain of events. Friday I deposited $20.00 (it's all I had) to cover any unexpected expenses. This happened about 4:00. Unknowingly I had two 3.00 checks that they decided to post that day. Because of their lousy accounting practices they charged the 6.00 before they credited the 20.00. (The 20.00 didn't show up until Monday) Now I am dinged $38.00 for two $3.00 checks. I tried selling some stuff on Craiglist to get the money together to pay these nsf fees. No luck. Now, today, because it has been 6 days they have charged me an additional $42.00. Not counting the $7.00 fee they are going to charge me until payday.

I have never been so dissapointed with a bank in my life. In the month of June I was hit with five NSF fees and I pretty much got the run around from customer service. My whole unemployment check was taken from for that particular week and left me with nothing.I had to borrow money from friends just to get by that week.Recently in the month of August I was hit with three more NSF fees so I have gotten another account with region bank and I am going to see how that works out.I personally am tired of being ripped off by a bank.I thought a bank was suppose to take care of it's customers .

Over a eight month period my account accummulated over $1400.00 in NSF fees. I am now banking with a new bank and have no problems. Obviously, Compass Bank is holding deposits and not crediting accounts as soon as possible. Most of my deposits are from the U.S. Treasury and deposits are sent several days in advance. I would receive NSFs on the day of the deposit because I assumed my account has been credited for that day. I lost a great amount of money dealing with this bank thinking that they really cared for their customers. I feel violated. I was most certainly raped financially by this financial institution.

when it was laredo bank i could take 2 party checks and deposit them on my commercial account, now that they changed to compass bank they do not want to do it anymore, why not. i have money there that will respond for that check if its no good.

We need the Police. when I call the Police they say there is nothing they can do. they are robbing us can you guys really not see what is happeninis is wrong I hate all banks. Yet the government gives them all the money they have ruined me financially credit i dont know who to turn to. I just want to take care of them myselfs if i could get out of this bed and grab something they would all pay. You cannot let these practices continue. STOP THEM PLEASE HELP ME PLEASE PLEASE PLEASE PLEASE PLEASE PLEASE PLEASE PLEASE GOD HELP US!!!!

the compuss bank as a problem with how they do there accounting. The problem is you deposit money cash before 2 PM there cut off they still do not count it. then if any type of check that comes in they will hold it 4 days until they cash it, yet make you pay overdraft fee's on that check even though they have not even paid the vendor.

Why do i need to use it when it was them that approved it on the 15 insted of the 17. I want to join all of the pepole that are doing the law suit ADD ME ON!!!!!

First off stay as far away from Compass Bank as you can. If you have a few thousand that you keep as a balance then great you will be ok. But when the OD start then the moneygrabbing begins. A few weeks ago someone I knew used my card without my knowledge and got 500 dollars in cash off my account. Well this created a disaster for me but since I did not want them arrested I just dealt with it. Initially it caused my account to go negative by 130.00 after three more days it balooned to -553.09 because of two checks and 1 Debit card transaction. So all in all I had four fees. The following week a direct deposit of 499.00 went in. Which left a balance of -54.09. Fast forward to the following week and wham a charge of 42.00 OD fee and then 28.00 for four days of overdraft fees. Now I understand the agreement but if you look at the timeline the first overdraft was taken out and then the additional overdrafts only lingered for three days but, of course, they explained that since it never went positive they just connect it all together to create these horrendous fees.

The following week I found out about their other trick. Say you go to a gas station a couple of times and they pre-authorize 75.00 per transaction, Compass immediately will hold that money (standard practice) but you know you only spent 23.00 and 24.00, respectively. You go to an ATM and take 20.00 and then you have a ACH trasaction of 25.00 and two debit card transactions. Well, their supercomputer automatically hits your account the next morning for NSF fees based on the holds and the presentation of the items. Now you have 3 x 38.00 charges on your account which reduces it even further and god help you if there is a check outstanding. How can a bank charge fees prior to presented items.

Have they never heard of pre-authorizations. Every bank I have every banked at Bank of America, citibank, Chemical (now chase), Wells Fargo seems to understand that but not compass. Eventhough it is in their agreement there is just something unethical about their practices. As far as I am concerned my business with them is finished. These guys make payday loan companies look like angels. Compass is the worst bank I have ever dealt with and lets not start talking about applying deposits last that is another loaded topic.

I have two accounts at this bank. I checked my balance and saw everything was ok but still I made transfers into my account to cover any transaction that would go through. I checked my account 4 times on 6/10 because I had a check out and wanted to be sure the funds were there to cover it. Later that day I saw were the check was pending and the transfer went in before the check. They took the money out of my account, run my check through then put my money back in causing NSF. Then I made a deposit, am, the next day and they did not post it till the next day. I was told any money transfers go in imediatley and any deposits as long as before 4 would be posted immediatley. Also they take out any direct deposits and hold till the next day. Now I have NSF charges when the money was there to cover transactions.

I got slammed with 6 Overdraft fees ($38 right away, another $38 after 6 days and another $38 after 12 days x 2 occurences) because my business was very slow in April. I decided to zero out my Compass Bank Checking account and close it on May 7th because I can't afford all those NSF fees and their policies about posting cash and credits AFTER debits. I talked to one of their financial people who closed my account and I left the branch thinking that this would be a complete "divorce" from Compass Bank.

Within the past few days I got two more NSF notices in the mail and today I got my account statement. I forgot that there is an automatic debit coming out of my account which went through on May 13th, 6 days after I closed my account. It should have never went through. In all my years banking with different banks I have never ever encountered anything like this. I went to their branch today and talked to someone different. The lady told me that if there are ACH debits connected with the account, they can "knock the account back out of being closed". HMMMMMMMM.

These practices are nowhere to be found in Compass Bank's guidelines, we checked while we were there and she called someone to verify who could not show us black on white that this is actually possible. So basically - you close your account and if there is ANYTHING out there such as automatic debits or checks within 30 days, they put your closed account back into being active. I think it's a fraud. At least it's extremely unethical.

I have had several questionable incedents with this bank, interestingly since it became BBVA Compass Bank. Is that the same case with others who've posted? I will only discuss the current problem.

I have two checking accounts. One is to receive my paycheck via direct deposit which is the one I do most of my business with. The other is used for online business transactions.

I needed to do some shopping so I transfered money from one account to another. I shopped at one store and payed with the card. Next I withdrew money with the card from an ATM for pocket cash. Next, I shopped at the supermarket and payed with the card. When I returned home, I checked the online statment to see how much was left on the card. Unfortunately, I had miscalculated and was slightly in the red from the Grocer. My mistake so I immediately transfered the funds to cover it as well as the inevitable 38.00 overdraft fee. Two days later I get an NSF notification and I think 'Oh that's just that charge that I already covered' but I checked anyway and was flabberghasted to find not one but three NSF charges of 38.00 each.

I spent the next forty-five minutes talking with two different people, trying to get a logical, cohesive explanation of why there were three instead of one NSF. I didn't get one. I got a runaround that I can't make enough sense of to write down.

I was told that 'sometimes they hold the charge until the next day to make sure there is money in the account'. I have overdraft protection so why hold?

I pointed out that I understood that I owed the fee for the overdraft at the grocer but that the other two charges were made while there were still sufficient funds to cover them. I was looking right at the online statement, same as they were, showing the chronology and the numbers matching up to my understanding.

Then it became weird. Amost every question I asked, thereafter, received the same vague reply about 'holding' which seems to make perfect sense to them but begain to feel very surreal to me.

This is nothing new. As pointed out by others, you make a mistake and they switch the chronology of the charges around so they can charge you more individual fees. When queried, they use vague and confusing rhetoric that changes, from one representative to another because this further confuses. Confussion is often met with compliance because if one doesn't understand the basis, components, perameters and variables of a situation, it is difficult to plan a course of action (see NLP for refereces on using confussion to control, dominate and hypnotise) . If all else fails, shift blame to the individual for being a failure at keeping up with your spending. The worst part is that it works! Regardless of how the situation turns out, most people will continue to bank with them...but not me.

I hope to hear from you.

After being laid off from my job in November, 2008, I was using the low interest "convenience checks" offered by my Compass Bank VISA to pay to extend my health care coverage under COBRA. These convenience checks were attached to my monthly statement and also mailed separately from my statement, offering 0% interest for a period of time, or 1.9% until the balance is paid, or similar credit terms.

My minimum payment due for charges through 1/23/09 was $42.00, and my total payments in January were $450. My minium payment for charges through 2/23/09 was $46.00 and was due on 3/20/09. My total payments in February were $300. In early March, I used two "convenience checks". My payment due 3/20/09 (Friday) in the minimum amount of $46.00 was not made timely; I made a payment on 3/23/09 (Monday)via transfer from my Compass Bank checking account in the amount of $250.00. Since the payment was not received by 3/20/09, I was considered in default under the terms of my account and my reduced interest rate for the "convenience checks" was increased from a de minimus amount of 2 or 3 percent to 21.99% without any notice. I called Compass Bank to ask if they would take my credit and payment history into account and reconsider placing the account into default. I was told that the best they would do is reduce my interest rate to 4.9% for nine months, after which the interest rate would return to the 21.99% rate.

I have been unemployed since March 27, 2009, and have filed a claim with Social Security for a total disability determination. I have a 750 credit rating. I have banked with Compass Bank for many years; they hold a first mortgage on my home; I have a home equity line of credit, two checking accounts and a $2,000 overdraft protection line of credit in addition to the VISA account in dispute with Compass Bank.

Count me in for a Class Action law suit against Compass Bank!

I am an accountant and have a masters degree in finance, and yet I can't seem to keep my head above water with this bank! I have never had this problem before banking with Compass, and it was not by choice because they bought out Texas State Bank. I have closed my account and advise others to do the same. It's impossible to manage money that Compass decides to put an indefinite hold on regardless of when you deposit it or if it's cash or check. The bankers will assure you that it's immediately posting to your account and it's days before the tricky scam they are running pans out. And you get a different story from each person you talk to and no one is held accountable for what they tell you. They tell you the calls are recorded to ensure better customer service, but when you ask them to pull one of those recorded phone calls to prove they are lying to you, it conveniently cannot be done.

My mother wrote me a check for my birthday. I wanted to cash the check & was near the bank it was written on. I went into Compass Bank, the bank the check was written on. I handed the cashier the check & my driver's license. She told me that I would have to pay a $7.50 fee to cash the check because I did not have a bank account at Compass. I told her I banked at another bank & would not pay them $7.50 to honor a check written by one of their customers. I told her I had a check written to me that was to be drawn from their institution & I wanted her to honor that check. She refused unless I paid the fee. I did not cash the check. I refuse to give Compass Bank a dime to honor their customer's checks.

It is time that we, as consumers stand together & let the banking industry know that we are not going to put up with their extortion methods any longer.

Mr. Anthony S closed my business checking account and processed a $2,000 debit against an account he knew only had a $1,105 balance. And, Mr. S did this without my knowledge or my permission. Mr. S knew that the balance in my account was only $1,105. The $2,000 debit placed my account a negative $894 with other transactions pending. This caused seven $38 NSF charges and another $42 in OD fees. As of this writing my account stands closed with a negative balance of $1,742.99 and is increasing $7.00 per day, for every day the account remains negative.

Who knows what these fees will add up to by the time this letter is read and something is done. Mr. S has put me out of business at this point. A 13 year old small business is facing bankruptcy and eviction. Mr. S took every last penny I had. I cant pay rent, utilities, phone, food, gas. Nor can I purchase the equipment I need to work and for what? He collected $1,105.99 for his bank and put me on the street. And he did this after I explained my situation and assured him I would begin making payments again in less than 7 days.

Totally broke, out of business and heading for the streets. My new address will be under a bridge.

We have been with Compass Bank for three years now and it has been a real nightmare. In this three year period we have at least 10 or 12 $38.00 NSF fees, only one of which was my fault and I gladly paid the fee. The rest were because I do banking online and the check arrived before my check was deposited. Each time I had to call Compass bank and talk to their PC Banking Department who would tell me "that we have no control over the post office" (as to when the mail is delivered).

One time I told one Compass Rep, "no you have no control over the Post Office, but you do have control over your software, yes? You could program it not to accept that check until the date on it". To which he told me "well, I don't know if you know this or not but according to the Banking Commission we have to accept a check at the time we receive it". To which I said "if that is the case how come you only accept my checks for the following business day if I deposit it after 4:00 PM"? His response? "Well, that's an entirely different story, and I really don't know that much about banking laws".

To make a long story short on this issue I always received a $38.00 credit but each time I had to stay on the phone from 15-minutes to 1-hour and 10-minutes to get that credit. NOW FOR THE REAL RUB! Because of the bad economy I was laid off from my job last July and because I could not find another one my wife and I started our own safety and health consulting business in October of 2008. Since we wanted to do everything correctly we registered the business with the Arizona Secretary of State and we took out a business checking account with Compass Bank, this gave us both a business and personal checking account and a personal savings account with Compass. Everything went fine until Friday, 4/3/2009 when I looked at my account and I found that someone had gotten a hold of my wifes ATM number and taken $90.00 from our personal checking account.

I immediately called Compass but they told me that there was nothing they could do until Tuesday, when the $90.00 was posted. I went to not one, but three Compass branches who told me the same thing but at least I got my wifes ATM card cancelled. Now because I had transferred money from our business account to our personal account on Thursday (because my wife had done some consulting) no checks bounced. Imagine my surprise when I look at my account online on Monday, 4/6/2009 and see four $38.00 NDF fees! Was this due to the $90.00 taken from our bank account? NO!

Compass Banks PC Banking Department says that the transfer I did between our business account and personal account was done at 9:00 PM on Saturday 4/4/2009. I have the print-out of the transfer receipt and it clearly shows 4/2/2009 at 2:05 PM. But Compass Bank (Solomon) told me it doesn't matter because they go by what PC Banking says. I called Compass Banks "800" number and talk to a supervisor (Tim) who hung up on me. Now I am an "old guy", a Marine who served in Vietnam and I take a lot of pride in the fact that I don't swear or become belligerent when I become angry but he still hung up on me. Why? Because I would not let him end the conversation until I talked to his manager, which he said he couldn't do.

I am going to cancel all my accounts with Compass Bank, which Solomon told me "was my prerogative and then I am going to send a complaint to both the banking Commission and the Fair trades Commission which I urge everyone who has had a bad experience with Compass Bank do. I know that it may not do any good by my wife and my complaint but if enough of us complain these government agencies may take notice. Lets be honest Compass Bank has some high priced attorneys so I am sure that they are not doing anything directly illegal but I would bet anything that they are walking a thin line between legal and illegal. I am also going to take Compass bank to Small Claims Court to try and recover my losses. I don't know how the laws are in all States are but in Arizona attorneys are not allowed in Small Claims Court so I will name Solomon as the Compass Bank representative, having the papers served on him. I figure that this whole thing will cost me about $400.00 because I will actually have a $60.00 check bounce, one I made out on 4/2/2009, but even if I lose at least I may get some Press on this and "there is no one as free as one who has nothing to lose". Compass Bank has to be stopped!!!! After the Court hearing I will report back to this site with the outcome.

I have a checking accout at Compass bank I share with my son. Two bogus charges where put against the account by a company that we had never heard of. I noticed them immediately as I use electronic banking. The charges where still in pending. I immediately transfered money from another account to cover the charges and called the telephone number from the statement to contact the company about the charge. the compay agreed to reverse the charges and gave me a confirmation number. I was unable to contact Compass bank at that time as it was after their business hours. The following day I saw that the bank had ran one of the bogus charges through and charged an insufficient funds fee of $38.00 before running the transfer so as to cause the account to be overdrawn.

Now the account was in errs. I contacted Compass bank by phone and was told that it was caused by the company that made the charges and they could do nothing until the charges where taken off. So I contacted the company that had agreed to remove the incorrect charges. I was told that the charges had indeed been reversed but it could take several days to show in the bank account. I again contacted Compass and found out that they had fan the second bogus charge through causing two more insufficent funds charges to be added on to the account. Now the account was $112.36 overdrawn, even though I had not done anything wrong and had done everything I could to correct the matter. The bank tells me that they can not remove the NSF fees.

Even though the company that had made the charges admitted to there being a problem and agreed to remove the eroniuos charges.All Compass bank would do is send paperwok to us stating that it is a fraudlent charge. We already know that and the company has removed them.Compass bank still refuses to remove three NSF fees and states that they will add another every six days. My son is bi polar and on disability . He has used this account for his social security disability checks and can ill afford to be takes for several hundred dollars. I feel that they could agree to remove the NSF charges because the company that made them has withdrawn the chrges. This is an extream financial burden to our family as myself and my husband are also living on disability and will have to pay this rediculously high fee.

On multiple occasions I have deposited CASH well before noon on any given weekday and find that I can't use my debit card without getting charged an NSF of 38 dollars. I have to go back the next day every time and get the fee reversed. As far as I recall they are breaking various banking codes specifically set up to protect the consumer from fraudulent abuse of one's checking account. They have the excuse that THEY don't post the money to the account until the next day. By law, they are required to release the first 100 dollars of any check as soon as it's presented, and CASH. CASH is YOURS!

If you put cash in an account and they give you a receipt, then your money is still your money and you CAN use it. I've read a lot of complaints about this problem. They are STEALING our money my friends! I ask that all of you go directly to the bank and person and chew out the manager and demand your money back! It works for me and I don't even have to yell. I just point out their theft and state it as theft and get my money back.

Don't let them try to pull the whole Posted vs. Available on you either because they use it in reverse to protect themselves all the time. Who can we call that actually will go to their offices and check the records? Seriously? Can we call the FDIC or anything? I just use them to fully CASH my checks now and then I spend a few bucks putting it all on a prepaid Visa... it's just safer. Sad.

Continued trips to the bank at my cost and time to get MY money refunded to me. Plus the cost of having to use a prepaid Visa because I can't trust Compass

My sister and I obtained a $25,000 loan from the then State Bank in Deming, New Mexico. They were to put my land which consisted of 40 acres and a modular home up as collateral. The filed 362 acres and several homes which was then taxed and charged me by the county assessor's office. I was not reimbursed for this tax by Luna county because they said they had already done the tax assessments for that year. I finally got State Bank to quick claim all but my 40 acres and my modular.

During the three years we had the loan we paid over 12,000 at 9%. Also during that time the State Bank was changed to Compass bank. In Novemeber of 2008 we called for a pay off of the loan and told we owed $21,161.03 and there was no recourse. I was refused the opportunity to speak to a full officer of the main branch in Birmingham, AL during this time. It was basically pay this or don't. We paid it. And we paid it off at the same bank the loan was acquired from.

Foolishly I thought they would follow procedure and remove the lien on my property. I applied for a small loan in Jan. to fix my place up for sale. This is when I found the lien from Compass bank was still in place. I immediately called the loacal bank to remedy this and they said they would. I heard nothing more.

I called the 1-800 number for compass bank about 5 times. Each time I got another lie. first they did not know the loan was paid. When I informed them I had a "paid in full" paper, they said that was all I needed. When I took that to the title company they said that isn't all that is needed a release of lien is required from the bank. I called them again and they said they sent the lien release to my address. I waited 5 days and called them back. All this time checking almost daily with the county clerk to see if the release had been submitted which it hadn't. I was told the loan wasn't closed until March the 4th by the next little girl I talked to. When I asked to talk to her manager or a VP of loans she refused. She told me the release was sent to me on the 5th. I waited until March 13th and called again. I was told they sent it to "Erica" who had called to request it on the 5th. but nothing about sending it to me or the county clerk.

I called the local bank and they told me they had received the "FAX" but they just put it in my file. No calls or further actions were taken.

On March 16th I called the local county clerk who check that days mail and still no release from compass bank. I called compass bank and they said they hadn't sent it. After being told it was in the mail on the previous calls. I told them I needed it Fed Exed to me on overnight. They informed me I would have to have a Fed Ex accout for them to do that. They would not send me the release otherwise. They said it is not their practice to release the liens until I requested it. I assumed that once the loan was paid that is enough of a request. I can not get the bank officer, Theresa to return my call. She placates and then does nothing. I can not get the main branch which I found out is in Birmingham to do anything either.

I have had my Compass account for about 3-4 months now since they bought out the Laredo National Bank and since then I have had nonstop overdraft charges. I mainly use my account for ebay (buying and selling)and didn't relize my boyfriend had uesed my ebay acct. and I guess he noticed i had a message for payment due and decided to use my checking account to pay the full balance instead of the balance due. Well the balance went over by $7.28 and didn't know. (He wasn't authorized to ues my checking account on ebay)

When i found out, 2 weeks had past and i called the 800 number and informed them that the charge was unauthorized. All the rep could say was he could give me credit for the first $38 fee plus he said maybe one or two $7 fees. I explained to him i had lost my job and couldn't pay the $143 fees. so he gave me credit for the $38 fee plus $14 for two $7 fees and when i checked my account on line a few days later it showed that he had charged me back the $14 fee the same day as the credit and i called and spoke to several other people and asked for a supervisor or anyone that would or could help me and was told that they wouldn't do anything for me it was my problem. Now i had to sell or get rid of alot of my stuff to pay the balance off and will be doing business else where.

This is reguarding bouced check fees. I recently had some money problems and bounced my account. I don't mind paying the fee (38 each) but if you can't get all the fees paid by 6 days they charge you an additional 42 dollars and then 7 dollars a day.

I can't catch up with my account because the fees keep adding up. How can the normal person who gets paid every week to two weeks can't get it caught up. This is the way credit gets damaged.

Compass Bank is very inconsistent in their practices and do what they can to take what they can from you. They advertise they will pay your ATM fees. Something like this you would assume would be a pretty simple transaction. NOT TRUE. As long as I have been banking with them they have NOT ONCE credited my account with the same amount of ATM receipts I have turned into them. The time it takes to post the credit is normally 2-3 weeks.

On a couple of occassions, they have lost all of my receipts, so I had to write up each ATM fee and they verified it by my statement. This last time what they did is the last straw for me and I am now looking to bank with a different bank. Last month I sent them $113.00 worth of ATM receipts, with a letter stating the total credited should be $134.00 as a few receipts were either lost or the ATM machine had no paper to print a receipt but they could easily verify the remaining via my statement (the same way they verified ATM fees paid when they lost my receipts)

Three days after I mailed in my recipts they posted a credit for $55.00, when I asked why? they said my ATM receipts must be for the last 3 months only, nothing prior will be credited and that a few of my receipts were too hard to read! Well they can say that about any receipt? and how do you avoid some ATM receipt coming out faded? how ridiculous can they be? or should I say how desparate? so they will not credit the rest to me.

I've had it with this lousy bank and their extremely high charge of overdraft fees and when my direct deposit is showing as pending on a Wednesday night and come Thursday morning if I debit something that Thursday morning, that debit posts instantly and my deposit is still pending. They have very unfair business practices, they are inconsistent and they are litterally stealing from their customers bank accounts for whatever reason they feel like that day. I'm out of there as soon as I do a little research on other banks and find one that will treat it's customers with courtesy and respect.

I have had my account for about 3 months, it seems I am always getting NSF fees, though some of these are my fault, and I have no problem paying them, the way the bank posts your money, then posts online your account, is completely different then what the post on the back end. I have talked to 3 different supervisors, four associates and am still awaiting a call back from a regional. The last straw was this. I made sure after Christmas I kept track of my account.

My car payment went through on the 2nd of January, I had a remaining amount of (according to the bank 40.83), according to my online record with the bank 40.42. I made two additional purchases, both for 20 dollars. I was then over drawn 4.38. When I checked my account today, I had 3 NSF fees, one already posted, two were 'pending'. This is what it looked like: 1/2 Car Payment- 340.90 remaining 40.83 1/5 NSF Fee- 38.00 remaining 2.83 1/5 Pizza - 24 1/5 Gas Station 20 two pending NSF fees at 38 each How can I have enough to cover i of the two items after the car payment, but still get charged NSF fees?

The story from the bank goes like this. First Supervisor- We post in the order they are received Second Supervisor- We post by the day the institution you are doing business with, requests the funds Third Supervisor- We post as we receive them I wanted to know why I had an NSF fee AFTER my car payment, when I had plenty to pay for it. The excuse THird Supervisor We combined all of them on the 2nd of January, and thus you have three NSF fees. Interesting. Sp though on the first, when I made two twenty dollar purchases, there was more than enough in the bank for those, and on the second, when the check posted, there was not enough in there?

Hmmm eihter way I see it, I owe 1 solid NSF fee of 38 dollars. Two of the three transactions, were paid for, 1 was not. The overdraft was 4.38. I await a conversation with the regional who has called me, yest has not returned my calls, or they turn off the voice mail after hours. I do software support for the top 500 legal firms in the country, and in idle conversation, have told them about this, apparently a lot of people in Compass Banks region have had similar problems. I smell a class action suit on how they conduct business.

They tell their customers one thing, and show their customers one thing (on line banking), however they do something very different behind the scenes. Looks to me like they are floating numbers they way people float checks. They take a consumers money, and tell them there is nothing we can do, we cannot give it back.

In the last 2 months, Compass has taken over $500 FROM ME, PAID BACK ONLY $75.

Compass Bank has charged my Checking account with over draft charges in acess of One to Two thousand dollars. 95 percent of the Time its when the money is in my account. They will take arange charges so that the largest transaction of that day is charged first delaying deposits. And then charging over draft on the small charges. Then aplying the deposit and charging over draft. I get paid on Friday and if I use my card friday morning I will be charged when the ATM says I have money I use my card Compass bank says your money hasnt posted.

I have gotten excuse after excuse on why they keep charging me. I will have 40 dollars in my account and charge 5 dollars. Go on friday buy gas after my ATM says my balance is 3000.00 dollars and get a 38.00 over draft because Friday when I used my card my check hadnt posted to my account. I have had over 30 charges for over 38.00 when the amount has been less than 5.00

This has been a on going battle that leaves me with out money I need to pay bills. I have lost almost 3000.00 dollars due to this and when I call they act like its my fault. My kids are the ones who pay for the Fraud.

I wrote a check to myself from another account that I have and deposited it into my Compass Bank checking account. The branch decided to place a 5 day hold on the check, but didn't bother to tell me such and my online balance did not show the item has being held. It actually reflected in my available, not pending, balance. I received 7 NSF fees during this time period and called 800 customer service line.

I explained that NO ONE had informed me the check was on hold and I used my money as though it were available. The customer service rep tried to tell me it wasn't their problem, but was mine. I then demanded my account be closed immediately. Suddenly he could remove 1/2 of the fees. I, again, became furious and told him I wasn't kidding when I told him to close my account.

Long story short, they waived all the fees. Now perhaps 6 months later they have tried to place a hold on checks from my other account. It is a constant argument about how ludacris that is. I am now fed-up and have already opened another bank account and will be closing my Compass Bank account because of their poor customer service and shady business practices.

I have had my compass credit card for 9 years now. My interest rate for the first 8.5 years was a manageable 12%. I had used my card to pay for my tuition a few years back and nearly maxed it out. Ever since then I have been making payments nearly triple the minimum balance. I do all my billing online and no longer have paper statements mailed to my house.

Apparently, compass bank sent me a notification stating they were going to raise my interest rate if I did not respond. I never open my compass mail because all my notifications and statements are now delivered via email. Since I did not respond Compass bank has raised my interest rate to 31%. I have an excellent credit rating and have never missed a payment in 9 years. The increase in interest caused my monthly minimum to triple and now that is all I can afford.

Right now paying the minimum balance on my card does not offset the monthly finance charge and my balance continues to increase. Compass said it is because of negative items being reported on my credit report but this is not true. I just purchased a home two months ago which, in these times is a very hard thing to do. It is nearly impossible to get approved for a mortgage unless you have next to flawless credit. I spoke to the credit agency that compass draws its information from and they verified that my report is clean and has been for 8 years. Compass still refuses to work with me on this issue and claims it is my fault for not responding to their letter. They are the reason that people are defaulting on their loans and credit cards to start off with.

Compass issued a new Visa Debit card to me over 3 months ago due to charges from an unauthorized online source. Several yearly subscriptions were associated with the old card. On 10/14/08, my new debit card was charged $154.20 by XM Radio. I no longer wanted the subscription and knew that it was linked to my old debit number, so thus, when my subsription expires...so does my association with XM.

Spoke with XM who told me (two representatives) that when they failed to get funds from the old account on the expiration day...they called the credit card company and the charge was allowed to post. Representatives at Compass bank say that this is impossible...yet it occurred. XM Radio was able to get my new debit card number and thus, charge the subscription rate even though my contract with them specified a totally different payment source.

Another XM Radio Representative said for long standing customers, we have an aggreement with the credit card companies to obtain the information so that your service will not be interrupted (?????). That aggreement is totally illegal and violates my privacy. Compass Bank and XM Radio are both at fault here. XM for pursuing a dead account and Compass for divulging my personal information. I have no faith that my privacy can be protected by these institutions who persumably have my best interest at heart. Perhaps Compass should be one of those banks who fail.

7 hours of telephone calls, disconnects, explain the situation...then explain it to seven or eight others. I'm self employed and was unable to bill my time today as a result of this situation.

I have been a customer of Compass Bank more than 15 years. I basically live from paycheck to paycheck, but I deposit those paychecks religiously on Friday afternoon before the cut-off time as far as funds being made available for incoming transactions on my account. I'm as conscientious about keeping track of my checks and debit card transactions as I can possibly be. Apparently, there are stealth transactions that dont show up until the instant they post, even though its MORE than apparent that the COMPASS people can see them, because THOSE are the ones that have been screwing up my account recently. I have never had as much trouble with their incomprehensible overdraft policies as I have this year.

I fully understand that checks don't float as long as they once did (my rent check will clear within 24 hours). Still, Compass Bank uses what has got to be the most aggravating, arbitrary (and probably illegal) means of applying transactions to available balance. Back in June of this year, I was hit with SEVEN NSF/Overdraft charges -- at $38.00 EACH -- when they counted a PENDING (NOT POSTED) transaction against my available balance. I called and protested and managed to get TWO of those refunded (but I still feel I was owed at least two MORE).

This past week, they did it again -- all because of a $1.00 pending transaction, which caused TWO overdrafts -- despite the fact that I had MORE than enough to cover everything when I made my usual deposit on Friday afternoon. Again, I called and protested, but this time, Ive reached my limit of tolerance. I have already opened a checking account at another bank, and as soon as the last three transactions I have out there for Compass have cleared, Im closing that Compass account. AND if there is EVER any kind of class action suit brought against them for excessive fees and unfair practices, I will happily join in.

Two unnecessary, excessive and unfair overdraft charges totally $76.00.

Sometime in 2000, Compass bought a small (7400) home equity line of credit, the fifth such sale since originating with Norwest Bank in 1994. In 2002 I opened a checking account with Compass and used the fact of my home equity line of credit to obtain free checking, not knowing how expensive it would later prove. To qualify, I had to make it an automatic monthly debit. From that day I never again got a printed statement, no matter how I pleaded or cajoled.

When I would call them about the account I would get hung up on sometimes and when I wasn't, the person didn't ever seem to know what kind of loan it was, which might explain why they couldn't understand why I would want to know how much interest I paid the year before. One person there referred to it as my auto loan. Another thought it was some other kind of loan.

Last year my husband and others got a back-pay award from a 10-year-old grievance and we decided to pay off the Compass line of credit. We moved out of state and had gotten a new checking account since there was no local Compass branch but I kept enough money in there for the automatic debit. When we decided to pay it off I called Compass and after getting a payoff balance (after being hung up on only once) I wrote the check and express mailed it. I didn't notice at the time that no release was issued.

I'm currently out of state nd can provide only what's recallable now! I had fraud on my checking account a few years back. I reported it to the Forestdale, Downtown (5th St/20th No & 1st St/20th So) Branches. I saw a representative at the Southside location who took my info and said she'd correct it. I don' have her name but she works with a friends cousin who can identify her. Anyway, the account was overdrawn from -$9+ dollars and charges of $35 per week was added to acrue $201, the disputed amount. At the onset I requested the acct to be closed and a new acct# be given. I can give further details when needed!

I've emailed and asked to see the banks Presidents & Branch Mgrs with no success. My Credit Bureau report reflects the over 90 days and write-offs for my account. It has casted a negative Credit Score and been detrimental to my loan acceptances and the percentages of the loans.

I have been repeatedly charged egregious overdraft fees by Compass Bank. While I do take responsibility for some of the charges, many times these charges are unreasonable and excessive. For example, there have been times when I have looked at my account online and saw charges pending that would make my account negative once the charges went through. At that moment, I would transfer funds from my savings or make a deposit into the account to bring it to a positive balance; however I would still get charged overdraft fees when the pending transactions went through.

This is completely unreasonable because my account was never actually overdrawn. To make things worse, Compass does not put transactions through in the order that they occur. The large transactions go through first, then the smaller ones, so that the smaller transactions rack up more fees. On March 20, 2007, I opened a CD with Compass and deposited $10,000 into it.

On February 11, 2008 I cashed $545.62 in US Savings Bonds at this location. This was the correct amount of the bonds with interest. Shortly after that (a few days) I received an undated, unsigned letter from the bank with a photocopy of some of the bonds that I had cashed saying that they had deducted $175.00 from my account because of an incorrect calculation. What's an incorrect calculation?

I called to find out and got bounced around between the treasury department, who told me that it was the bank's responsibility to correct the problem and that the original amount I was given was correct, and the bank finally told me that the teller had written the wrong amount on the face of the bonds and that they would straighten it out. It's now March 17 and the money is still not back on my account. I have an interest bearing account so this is actually costing me money. Is it legal and/or ethical for the bank to debit my checking account because of an error they made?

The Compass ATM machine ate my business debit card. I asked teller to look into it, and she denied it. She flat out said there is no card in the ATM machine. The next day they called me and said they found a card because a customer turned it in from the ATM machine. I asked them to cancel it. Two weeks went by, but I didn't get the new card. When I called them, they said they never canceled it. I asked them again to cancel it. After a week I got (not one) but two personal (not business) debit cards in mail. I went to the bank, and they said they made a mistake. Now I had three debit cards (one that I've been using) and two new ones. They canceled two of the personal checking account cards, and I kept one of the new cards. They told me I will get the new business debit card in a week. Finally my new business debit card arrived.

A week later I started getting these over draft charges in mail from my business account. I called Compass, and they said they messed up my debit cards and that they have to look into it. Now my personal debit card was taking money out of my business account, and the balance had gone to negative; and they were hitting me with $38 over draft fees every time I made a purchase with my personal debit card. No one ever called me back, so after couple of days I went to the branch. This is almost a month ongoing now. I went to the bank and asked them to look into it. I got interrogated and felt like as if they are trying to blame it on me. Finally they said they will look into it and will call me back. Three days went by, and they finally called me back and said they had voided all the overdraft fees so I didn't have to pay it. But now my balance was negative because I couldn't transfer any money to my business account due to the whole mess they put me in. She demanded that I come to the bank right away to put money back in that account, or they would not cover me if there were any charges coming in against that account.

I was at work, and I couldn't make it to the bank that day. Next day I went to the bank, and she has the audacity to tell me that since she called me the day before, there have been two charges on that account from my automatic withdraw accounts, and now I have to pay over draft fees no matter what. They made me wait over a month to fix this mess, but now they punish me for being behind a day late. DO NOT open an account with Compass Bank. Half of my fiends have left that bank due to similar reasons.

Unable to use my ATM machine, was charged over draft fees because I was unable to check the balance on my business account. Was unable to deposit money or pay vendors.

Compass Bank raised the interest rate on my VISA credit card from 18% to 23% in September, 2007. My complaint is that they applied the increased rate to the OLD debt on my credit card. I specifically stopped using the card in order to avoid allowing them to apply the increase to the credit card. I have not used the card since being notified of the increase, meaning that I did not agree to allow them to apply the increase to the OLD debt from prior to the increase. I tried to work it out with Compass Bank, but they refused to reinstate the interest rate for the OLD debt; and they refused to give me a refund for the overcharges of interest.

Paying additional interest each month.

I have paid my share of fees to Compass Bank. I had 5 small transactions which had enough available balance to pay those transactions on Friday, October 12, 2007. On Sunday, Oct. 14, I did two $100 ATM withdrawals, believing that my direct deposit had been done. However, on Monday, Oct. 15, I went online to check my account. I discovered that Compass Bank had posted the two $100 ATM withdrawals just hours before my direct deposit, and THEN they posted the five small transactions that I had done between Oct. 10 and Oct. 13.

Compass Bank has charged 7 NSF fees of $38 each for the 5 transactions that should have been covered by my available balance, two more for the two ATM withdrawals, and has posted 1 Overdraft fee of $38 and date, 4 Overdraft fees of $7 each for a total to date of $332' and they are posting a $7 fee each day. I have withdrawn my Direct Deposit with Compass Bank and have written 3 certified letters to Mr. Manatt and his immediate boss in Phoenix, AZ, as well as the head of the Customer Care Division in Phoenix.

I have not received any response, either by phone, e-mail or mail. I will not pay these outrageous fees as there is no mention in the Fees Agreement or any other Agreement provided to me when I opened my account with Compass that makes any statement about when direct deposits are made.

I have 8 38.00 overdraft fees, two I'll eat but the other 6 were pulled June 22 2007, and I was paid June 21st 2007. Usually I'll write you all and Compass will reimburse me three of the fees and I do sing satisfied but the problem is my wife got me to join this bank under the guise that they were wonderful and everyone has told me other wise, not to mention that some of these fees are unreal. I got a 38.00 fee for a 1.80 purchase not to mention once again money was in my account and I know this because I had checked my atm statements and kept up with everything.

I knew that my check would be deposited and at exactly what time and still I was charged an additional 6 fees which total close to $230.00. I've been charged 10-12 38.00 fees at one time before though and still these people keep at it. How are people tp pay their bills when Compass bank puts your checks through according to how large they are oppose to in the order they come in, or waiting days or even hours before they clear direct deposits making sure that they are able to charge fees. I am not going for it this letter will be forwarded to as many senators, Fl Gov, and Leg that I can possibly think of this has to STOP!

totaling $90.78.

I called as I was worried someone had stolen my idenity and was told the card wasn't activated. So, I explained I never recieved a card and wouldnt have applied for a card with any kind of fees and that I never recieved any paperwork or a card. They acted as though they didnt believe me and said even if I don't activate it I am responsible.

I checked my account recently only to find that I received two NSF charges on the day of my pay day as well as one afterwards. Something is wrong! In the past I hadn't complained when they charged my account 36.00 fees over a $1.00 or $2.00 overture but this is getting to be ridiculous.